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If 90% of loans go bad (or more), the fractional reserve bankers lose nothing. They created money from nothing and received the protection of the nation in distributing fiat monopoly currency.

Fractional reserve banking, conjuring what they claim is ‘money,’ but that which is really debt (since there is nothing of inherent value backing it), from thin air, leveraging it up by many multitudes, getting a nation to endorse it as monopolistic fiat (and enforce the monopolistic recognition of it as such), is the problem.

If 90% of loans go bad (or more), the fractional reserve bankers lose nothing. They created money [...]